Did you check if they charged you a processing fee for the rollover? Sometimes those second 1099-Rs with withholding are because they took a fee and withheld taxes on that portion only. The distribution code 1 would be correct for that part.

This rollover situation is unfortunately more common than it should be. Based on your description, it sounds like Lincoln Financial incorrectly processed part of your rollover as a taxable distribution when it should have been coded as a direct rollover. The key thing to understand is that you have 60 days from the distribution date to complete an indirect rollover for any amounts that weren't directly transferred. If some of your funds were withheld for taxes but you can still get them into your IRA within that timeframe, you can avoid the early distribution penalty. However, since this happened last July, that 60-day window has likely passed. Your best bet is still getting Lincoln to issue corrected 1099-Rs showing the entire amount as a direct rollover (code G). When you call Lincoln again, specifically ask for their "Plan Administration" or "Participant Services - Tax Forms" department. Don't let them transfer you to general customer service. Explain that this was supposed to be a direct trustee-to-trustee transfer and that any withholding was done in error. If they push back, ask them to provide documentation showing you specifically requested tax withholding on a direct rollover (which would be unusual). Document everything - dates, names, reference numbers. If they continue to refuse, you may need to file a complaint with your state's insurance commissioner, as they regulate retirement plan administrators.

I was in your exact situation last month. Found my DD date on the Account Transcript under code 846, but it wasn't there initially. My transcript first showed codes 570 and 971, then updated a week later with the 846 code. Have you checked if you have any 570/971 codes on your transcript? Those usually indicate there's some verification happening before they set your deposit date.

Just wanted to add something that might help - if you're checking your transcript and don't see code 846 yet, don't panic! The IRS typically processes refunds in the order they were received, but there can be delays if your return needs additional review. I had to wait almost 3 weeks after my return was accepted before seeing my DD date appear. Also, make sure you're checking the transcript for the correct tax year - I accidentally looked at my 2022 transcript when I needed 2023 and thought something was wrong. The "Where's My Refund" tool on the IRS website updates less frequently than transcripts, so the Account Transcript is definitely your best bet for the most current info about your refund status.

I understand the anxiety about timing, especially as a recent graduate! From what I've seen in this community, SBTPG is pretty consistent with their processing. Since your transcript shows a DDD of 4/17, you should expect SBTPG to receive the funds either on 4/17 or within 24 hours after. Then it's typically another 1-2 business days before it hits your bank account. So realistically, you're looking at having your refund by 4/19 at the latest, possibly as early as 4/17 if everything processes smoothly. I'd recommend setting up an account on the SBTPG website to track the status - it really helps with the waiting game! Just remember that weekends can add an extra day to the timeline if your DDD falls on a Friday.

As someone who's been through this process multiple times, I can confirm that SBTPG is generally very reliable with their timing. Based on your DDD of 4/17, you should see the funds arrive at SBTPG either that day or within 24 hours. The key thing to remember is that SBTPG processes refunds in the order they receive them, and they typically disburse within 1-2 business days of receipt. Since you're a recent graduate dealing with financial stress, I'd suggest creating that SBTPG account others mentioned - it really does help with the anxiety of waiting. You'll be able to see exactly when they receive your refund and when they send it to your bank. Given that 4/17 falls on a Thursday this year, you'll likely have your money by Friday or Monday at the latest, assuming no processing delays. Hang in there - the wait is almost over!

Also in TN here! Got mine last year and it took exactly 5 days from mail date. The IRS actually uses priority mail for refund checks so they're pretty reliable. Just keep checking your informed delivery - you'll see it coming the morning it arrives. Good luck! 🤞

I'm in Nashville and mine took 6 business days last month - arrived on a Thursday when it was mailed the previous Friday. The key thing is don't panic if it doesn't show up exactly at 5 days, sometimes USPS has slight delays but IRS checks do get priority handling. Also double check your address on your last return matches your current one perfectly - even small differences like "St" vs "Street" can cause delays!

I went through this exact same situation last year! I was a college student who moved from Ohio to California and made the same choice - paid my state prep fees upfront but chose refund transfer for federal. Your federal refund will definitely still go through SBTPG since you selected that option, even though you paid state fees separately. The good news is that once SBTPG receives your refund from the IRS, they typically process it pretty quickly - mine took about 3 days. The frustrating part is that the IRS showing "accepted" just means they've processed your return, but they can take up to 21 days to actually send the refund to SBTPG. I'd definitely recommend checking the SBTPG website to track your refund status once it gets to that stage. The waiting is nerve-wracking, especially when you need the money for school expenses, but it all worked out fine for me! Next year I'm definitely paying all fees upfront though - the peace of mind is worth it.

I'm going through the exact same situation right now! Just moved from Texas to New York for grad school and made the same decision - paid my state prep fees directly but chose the refund transfer for federal. It's been about 12 days since I filed and I'm stuck at "accepted" status too. Reading through all these responses is actually making me feel a lot better - sounds like this waiting period is totally normal and we should see movement soon. I had no idea about the SBTPG tracker website until now, so I'm definitely going to check that tomorrow. The whole process is way more complicated than I expected when you're dealing with multiple states! At least we're all in this together. I'm bookmarking this thread because everyone's sharing such helpful real-world timelines. Next year I'm 100% paying everything upfront - this anxiety isn't worth the convenience of having fees deducted! 😅